Home Insurance in Wausau, Florida
Homes in Wausau carry a median value of $68,400 - 60% lower than the Washington County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Wausau was built around 1989. About 14% of homes were built before 1960, about 3 points above Washington County's 11%.
The housing stock in Wausau is 47% single-family homes, 1% apartments in buildings with 5+ units and 52% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
19% of owner-occupied homes in Wausau carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Wausau has an owner-occupancy rate of 65% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
Most homes in Wausau - 85% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Washington County's top FEMA-rated hazard is hurricane (Relatively Moderate), per FEMA's National Risk Index. Washington County had 122 active NFIP flood policies as of September 2026. See the full Washington County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Florida, the statewide average premium for a standard HO-3 homeowners policy is $2,779 per year (NAIC, 2023 data).
Key figures
| Median home value | $68,400 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 19% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Washington County | 122 |
| Home insurance premium | $2,779 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)